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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $98,119 | $63,703+54.0% | $93,063+5.4% | $82,448+19.0% |
| Participation rate | 66.7% | 63.8%+2.8pp | 72.1%-5.4pp | 68.1%-1.4pp |
| Annual return | 16.09% | -775.43%+791.5pp | 34.15%-18.1pp | 41.64%-25.6pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,476-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $943 | $2,919-67.7% | $3,958-76.2% | $4,139-77.2% |
| Admin fee / account holder | $9,014 | $5,982+50.7% | $6,033+49.4% | $7,234+24.6% |